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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,560 | $45,266-89.9% | $103,693-95.6% | $65,306-93.0% |
| Participation rate | 86.1% | 53.3%+32.7pp | 72.6%+13.4pp | 57.7%+28.4pp |
| Annual return | 23.27% | 25.10%-1.8pp | 47.61%-24.3pp | 21.94%+1.3pp |
| Employer contribution / active EE | $1,347 | $1,765-23.7% | $2,920-53.9% | $1,967-31.5% |
| Participant deferral / active EE | $1,634 | $2,099-22.2% | $4,579-64.3% | $2,959-44.8% |
| Admin fee / account holder | $1,209 | $3,221-62.5% | $7,858-84.6% | $3,480-65.3% |